America is facing a challenging time. With a weakened economy and limited resources, businesses — regardless of size and industry — need to ensure they are maintaining a positive cash flow. And higher educational institutions are not immune.

Tell us about Heartland Community College.

The decision-makers at Troy University knew that issuing refunds electronically would make the process more efficient, especially for a university with 35,000 students studying at more than 60 campuses. But it also had an unexpected benefit.